The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,636
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,340
−HK$715/mo
Today · 4.125%
HK$24,055
baseline
▲ 0.50% · 4.625%
HK$25,519
+HK$1,464/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$48,110/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,182
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,857
−HK$686/mo
Today · 4.125%
HK$26,543
baseline
▲ 0.50% · 4.625%
HK$27,942
+HK$1,399/mo
Deposit HK$4.96M · loan HK$4.96M · min. income ≈ HK$53,086/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$362,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,163
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,008
−HK$858/mo
Today · 4.125%
HK$28,866
baseline
▲ 0.50% · 4.625%
HK$30,623
+HK$1,757/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$57,732/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,218
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,029
−HK$822/mo
Today · 4.125%
HK$31,851
baseline
▲ 0.50% · 4.625%
HK$33,530
+HK$1,679/mo
Deposit HK$3.97M · loan HK$5.96M · min. income ≈ HK$63,702/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$362,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,690
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,676
−HK$1,001/mo
Today · 4.125%
HK$33,677
baseline
▲ 0.50% · 4.625%
HK$35,726
+HK$2,049/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$67,354/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,255
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,200
−HK$960/mo
Today · 4.125%
HK$37,160
baseline
▲ 0.50% · 4.625%
HK$39,118
+HK$1,958/mo
Deposit HK$2.98M · loan HK$6.95M · min. income ≈ HK$74,320/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$362,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,744
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,012
−HK$1,287/mo
Today · 4.125%
HK$43,299
baseline
▲ 0.50% · 4.625%
HK$45,934
+HK$2,635/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$86,598/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,328
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,543
−HK$1,234/mo
Today · 4.125%
HK$47,777
baseline
▲ 0.50% · 4.625%
HK$50,295
+HK$2,518/mo
Deposit HK$993K · loan HK$8.93M · min. income ≈ HK$95,554/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$362,684 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).